Impahla yokuthuthukisa efanelekayo i ukuthuthukiswa okwenziwe umkhokhintela engxenyeni engaphakathi yesakhiwo okungesona esokuhlala uma ukuthuthukiswa kufakwa enkonzweni ngemva kokuba isakhiwo siqale ukufakwa enkonzweni.. … Impahla ethuthukisiwe efanelekile iyancipha kusetshenziswa indlela yomugqa oqondile wokwehla kwenani.
Ngokufanayo, Ingabe ukufaka ukhaphethi esikhundleni sokulungisa noma ukwenza ngcono? Ukulungisa Ngokuqhathaniswa Nokuthuthukiswa
Ngokuya ngokushicilelwa kwe-IRS 527, noma yiziphi izindleko ezinyusa umthamo, amandla noma ikhwalithi yendawo yakho kuwukuthuthuka. Ukhaphethi omusha osuka odongeni ukuya odongeni uwela ngaphansi kwalesi sigaba. Ukushintsha nje ukhaphethi owodwa ongaphezu kwempilo yawo ewusizo okungenzeka a ukulungiswa kwe-deductible.
Iziphi izimpahla ezifanelekela ukwehla okungu-100% kwebhonasi? Impahla Efanelekile - Ukuze ufanelekele ukuncishiswa kwebhonasi okungamaphesenti angama-30, 50, noma amaphesenti ayi-100, ukusetshenziswa kwasekuqaleni kwendawo kufanele kuqale ngomkhokhi wentela futhi indawo kufanele ibe: 1) Impahla ye-MACRS enesikhathi sokuthola kabusha seminyaka engama-20 noma ngaphansi, 2) isofthiwe yekhompuyutha eyehlayo, 3) impahla yensiza yamanzi, noma 4) efanelekayo ...
Ungakwazi yini ukuthatha ukwehla kwebhonasi ekuthuthukisweni kwezakhiwo eziqashisayo? Ukwehla kwebhonasi kungase kusetshenziselwe ukudonsa ukuthuthukiswa komhlaba okunesikhathi sokuthola kabusha seminyaka engu-15. Phakathi kuka-2018 kuya ku-2025, u-100% wezindleko zalokhu kuthuthukiswa komhlaba zingadonswa ngonyaka owodwa kusetshenziswa ukwehla kwebhonasi. Ukwehla kwebhonasi kungakhethwa.
Okwesibili Ingakanani incithakalo ongayisula? Ukudonswa kweSigaba 179: Lokhu kukuvumela ukuthi udonse zonke izindleko zempahla ngonyaka etholakele, kuze kufike ku-$25,000 kusukela ngo-2015. Ukwehla kwenani yinto okufanele nakanjani yaziswe ngabanikazi bamabhizinisi amancane.
Yikuphi ukuthuthukiswa kwekhaya okudonswa intela ngo-2021?
Ukuthuthukiswa Kwekhaya Lokunakekelwa Kwezempilo Ngokudonswa Kwentela:
- Izakhiwo zokungena nezindawo zokuphuma.
- Ukunwetshwa kwamaphasishi neminyango.
- Ukwehlisa noma ukuguqula amakhabethe ekhishi.
- Ukwengeza amakheshi ukusuka kwesinye isitezi ukuya kwesinye.
- Ukufaka imigoqo yokusekela endlini yokugezela.
- Ukulungisa ama-alamu omlilo kanye nezitholi zentuthu.
bese Ingabe izindawo eziqashisayo ziyehla? Abanikazi bezindawo eziqashisayo basebenzisa ukwehla kwenani ukuze basuse inani lokuthenga nezindleko zokuthuthukisa ezimbuyiselweni zakho zentela. … Ngokomthetho, izindawo eziningi eziqashisayo zase-US zehla ngenani ka-3.636% unyaka ngamunye iminyaka engu-27.5. Inani lezakhiwo kuphela elingehliswa; awukwazi ukwehlisa inani lomhlaba.
Uwehlisa kanjani i-flooring endaweni eqashisayo? Uzonciphisa i-flooring entsha endaweni eqashiwe ngaphezu kweminyaka engama-27.5 uma ingunaphakade noma iminyaka emi-5 uma isuswa kalula, njengokhaphethi.
Ingabe ukwehla kwebhonasi kusatholakala ngo-2021?
Inani lokwehla kwebhonasi elingu-100% lisasebenza kusukela Septhemba 27, 2017 kuze kube nguJanuwari 1, 2023. Ngemva kwalokho, ukwehla kwenani lebhonasi yonyaka wokuqala kwehla ngendlela elandelayo: 80% wendawo efakwe enkonzweni ngemva komhla ka-31 Disemba 2022 nangaphambi komhla ka-1 Januwari 2024.
Ithini isibonelelo esikhethekile sokwehla kwenani lika-2020? Isibonelelo Esikhethekile Sokwehla Kwenani
Imali ebanjwayo yehliswa yaba U-40% wendawo efakwe enkonzweni ngaphambi kukaJanuwari 1, 2019 kanye no-30% wendawo efakwe enkonzweni ngaphambi kuka-January 2, 2020. Ukuze ufanelekele isibonelelo esikhethekile sokuncipha kwenani, indawo kufanele ibe impahla entsha.
Ukwehlisa kanjani ukuthuthukiswa komhlaba?
Uma lokhu kuthuthukiswa kunempilo ewusizo, kufanele yehliswe. Uma ingekho indlela yokulinganisa impilo ewusizo, ungazehlisi izindleko zokuthuthuka. Uma umhlaba ulungiselelwa injongo yawo, faka lezi zindleko ezindlekweni zempahla yomhlaba. Kunjalo hhayi yehlile.
Ingabe uphahla luyimpahla yokuthuthukisa efanelekayo? Ngaphezu kwalokho, i-TCJA yenezela endaweni engokoqobo ukuthuthukiswa okulandelayo endaweni engahlali muntu: Uphahla; Indawo yokushisa, yokukhipha umoya, kanye ne-air-conditioning (HVAC); Ukuvikelwa komlilo kanye nezinhlelo ze-alamu; futhi.
Ingabe i-flooring iyimpahla yokuthuthukisa efanelekayo?
Ngokuvamile, ukuthuthukiswa kwendawo yangempela okungeyona indawo yokuhlala kunenkathi yokubuyisela ukwehla kwenani leminyaka engama-39. … Umthetho ushintshiwe ngokuhamba kwesikhathi, futhi ngaphambi kwe-TCJA, izibonelo zentuthuko ezifanele ukwehla kwenani lebhonasi zihlanganisa izinto zokukhanyisa, ukubeka phansi, nokunye ukuthuthukiswa okuthile kwesakhiwo sangaphakathi.
Yiziphi izinto ezingehliswa endaweni eqashisayo?
Ukwehla kwenani ukulahlekelwa kwenani lesakhiwo ngokuhamba kwesikhathi ngenxa yobudala, ukuguga, nokuwohloka. Ungafaka futhi ukuthuthukiswa komhlaba okwenzile nezinto ezingaphakathi impahla engeyona ingxenye yesakhiwo njengezinto zikagesi kanye nokhaphethi.
Ingabe ukuthuthukiswa kwezakhiwo kungehliswa? Itiye I-IRS idinga ukuthi wehlise inani ukuthuthukiswa kwesakhiwo ngesikhathi esifanayo lapho unciphisa isakhiwo sakho. Izakhiwo ezithengiswayo ezithengiswayo ngokuvamile ziphila iminyaka engama-39, ngakho-ke kungathatha isikhashana ukubuyisela izindleko zokuthuthukiswa kwezakhiwo.
Kwenzekani lapho indawo eqashisayo yehliswa ngokuphelele? Kuya ngokuthi kodwa kulesi simo, indawo yokuhlala izobhekwa njengenciphe ngokuphelele ngemva kweminyaka engama-27.5. …Ngokwe-IRS, Kufanele uyeke ukwehla kwenani lempahla lapho inani lemali edonswayo yonyaka ilingana nezindleko zakho noma esinye isisekelo sendawo yakho.
Ingabe kungcono ukudonsa noma ukwehlisa inani?
Njengomthetho ojwayelekile, kungcono ukubiza into ethile kunokwehla inani ngoba imali inenani lesikhathi. Uma ubiza leyo nto, uthola ukudonswa kwemali onyakeni wentela wamanje, futhi ungasebenzisa ngokushesha imali edonswayo yezindleko ekhululiwe ezintela.
Ngikucisha kanjani ukuthuthukiswa kwekhaya? Nakuba ungeke ukwazi ukudonsa ukuthuthukiswa kwekhaya, kungenzeka ukuwehlisa. Lokhu kusho ukuthi udonsa izindleko phakathi neminyaka embalwa–noma yikuphi ukusuka iminyaka emithathu kuya kweyi-27.5. Ukuze ufaneleke ukwehlisa izindleko zokuthuthukisa ikhaya, kufanele usebenzise ingxenye yendlu yakho ngaphandle njengendawo yokuhlala yomuntu siqu.
Ngikufuna kanjani ukuthuthukiswa kwekhaya ezintela zami?
Ungeza izindleko zokuthuthukiswa kwezimali kusisekelo sakho sentela endlini.
- Isisekelo sakho sentela siyinani ozolisusa enanini lokuthengisa ukuze unqume inani lenzuzo yakho.
- I-capital improvement into eyengeza inani endlini yakho, eyandise ukuphila kwayo noma ivumelane nokusetshenziswa okusha.
Yikuphi ukuthuthukiswa kwekhaya okudonswa intela? Lokhu kuhlanganisa ukupenda indlu noma ukulungisa uphahla noma isifudumezi samanzi. Kodwa kukhona okubambekayo, futhi konke kuncike esikhathini. “Uma ubudinga ukwenza ngcono ikhaya ukuze udayise ikhaya lakho, ungakwenza donsa lezo zindleko njengezindleko zokuthengisa inqobo nje uma zenziwe zingakapheli izinsuku ezingama-90 zokuvalwa,” kusho uZimmelman.
Ngingakwazi ukukhipha ukulahlekelwa kokuqashisa ngo-2020?
Ungasebenzisa ukudonswa kokulahlekelwa kokuqashiswa okungasetshenzisiwe ku susa imali engenayo yokuqasha yesikhathi esizayo. Isibonelo, uma ube nokulahlekelwa okungu-$2,000 ngo-2019 futhi indawo yakho eqashisayo ikhiqiza inzuzo ekhokhiswa intela engu-$3,000 ngo-2020, ungasebenzisa ukulahlekelwa okungafunwanga kuka-2019 ukuze ukunciphise. Iholo lakho (i-MAGI) liwela ngaphansi komkhawulo ongu-$150,000.
Uwehlisa kanjani ukhaphethi endaweni eqashisayo? Uma ukhaphethi wehliswa, uhlukaniswa njengempahla yomuntu siqu futhi uyancipha eminyakeni emihlanu. Kodwa uma ukhaphethi osendaweni eqashisayo unamathiselwe phansi, uthathwa njengengxenye yesakhiwo futhi kufanele wehliswe inani ngeminyaka engama-27.5.
Uwehlisa isikhathi esingakanani amakhabethe asekhishini?
Uzoqaphela kuleso sixhumanisi ukuthi izinto zikagesi ziwela ekilasini leminyaka emi-5 kanti amakhabethe ekhona ekilasini leminyaka engu-7. Lokho kusho ukuthi zehla ngamanani ahlukene.